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| Credit counseling organizations listed in our directory certify that they are licensed to do business in States that require such license. |
| CCCS of Duluth Program of Lutheran Social Service of Minnesota | 888-577-2227 |
| CCCS of Family Service St. Croix | 651-439-4840 |
| CCCS of Minnesota, Inc. | 888-214-2227 |
| CCCS of Rochester A Division Of Family Service Rochester, Inc. | 800-936-4054 |
| Family Service, Inc. | 800-982-2303 |